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存款保险制度始建于20世纪30年代经济大危机后的美国,在保护存款人利益、提高公众对银行的信心及稳定金融体系等方面发挥了重要的作用。经过近一个世纪的考验,存款保险制度被公认是世界上金融安全网的三大基本要素之一。随着我国金融体制改革的不断深入,国有银行改制并上市,对外资银行逐步开放,金融风险状况发生了巨大变化,建立适合我国的存款保险制度非常必要。
The deposit insurance system was established in the United States after the Great Economic Crisis in the 1930s and played an important role in protecting depositors’ interests, increasing public confidence in banks and stabilizing the financial system. After nearly a century of test, the deposit insurance system has been recognized as one of the three basic elements of the financial safety net in the world. With the continuous deepening of China’s financial system reform, state-owned banks have been restructured and listed, their foreign-capital banks have been gradually opened up, and the financial risks have undergone tremendous changes. It is necessary to establish a deposit insurance system that suits our country.